What it does
Replaces the flat deductible for windstorm or hail with a percentage deductible. Revised in 2014 for consistency with the per-loss deductible provision.
Who needs it
Rental and seasonal dwellings in wind- or hail-exposed areas.
Quoting and selling notes
- Show the dollar deductible on the Coverage A limit.
Editions and availability
Current edition 07 14, replacing 12 02. Carriers adopt ISO editions state by state, so the edition on a given policy can lag the newest one.
Program notes
Dwelling policies are written for the property owner, not the occupant, and are the usual vehicle for landlords of one- to four-family dwellings. Because the forms carry no liability coverage, review every dwelling file together with DL 24 01 (or the homeowners or commercial policy that provides premises liability), and with any personal umbrella the client carries.
